Get Started Now While Rates Are Low!

Are you looking to reduce your monthly mortgage payment, lower your interest rate, finance major home improvements or pay off
your loan sooner? Consider a well-timed mortgage refinance. The tools you need to get started are just one click away.

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If you received this message during business hours, please call 1-800-248-4638†.

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We appreciate your business and want to be of service to you now and for all your future home financing needs.

Our Mortgage Consultants will also check your eligibility for the Home Affordable Refinance Program.

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Get Started

Find important mortgage related information and answers to your questions right here. The more you know about the mortgage
process, the better prepared you will be to consider when to refinance.

Tell Me About the Mortgage Process

Knowing how the mortgage process works results in a mortgage that works better for you. We have simplified everything down to four easy steps:

Finding the right mortgage - Conveniently search and compare a variety of mortgage products and programs online to find the best match for your financial situation. View More Options to learn more.

Applying - When you find the mortgage that's right for you, simply start your application online. After you Start Application, a dedicated Mortgage Consultant will contact you to complete the application and continue the process. Your Mortgage Consultant will answer any questions you may have about the mortgage process, interest rates and product information. You can also apply by phone or in person at your nearest Citi branch.

Processing - We will send you a Welcome Package and prepare your mortgage for closing.
Depending upon the type of transaction you apply for, we will order the appraisal from a licensed appraiser who is familiar with home values in your area. Different types of appraisals are used for different types of financing and mortgage amounts. Most often the appraiser will need to view both the inside and outside of the home, while other times they are able to do an evaluation from the street.
Title insurance will be necessary if you are purchasing a home. Your Mortgage Consultant will work with the real estate broker or seller to insure the title work is ordered as soon as possible. If you are refinancing, we will order the required title information. The title insurance policy is used to confirm the legal status of the lien on your property and to prepare the closing documents.

Closing - Your Mortgage Consultant will contact you to coordinate your closing date. Your mortgage closing date will be scheduled when we receive your completed Welcome Package forms, the appraisal, and the title work. We will arrange a location convenient to you to have you sign the necessary closing documents.

We make the mortgage process simple. Put the process to work for you today and find the mortgage that is right for you.

If you have any questions, call 1-800-248-4638† to talk to our experienced Mortgage Consultants.

Fixed Rate

Adjustable Rate (ARMs)

Fixed Rate vs. Adjustable Rate

FHA & VA Loans

Community Lending

Fixed Rate Mortgage - An Interest Rate That Never Changes
With a fixed rate mortgage, you never worry about your interest rate going up and raising your mortgage payment. That means you're able to budget better.
With Fixed Rate mortgage products you can choose from a variety of mortgage repayment terms and enjoy a set interest rate for the life of your mortgage.
Compare Fixed Rate to Adjustable Rate Loans.
Are you ready for a new mortgage? Start your mortgage application here. The process will be completed with the help of our experienced Mortgage Consultant after you have provided your information.

If you have any questions call 1-800-248-4638† to talk to our experienced Mortgage Consultants.

What you should know about ARMs
With an Adjustable Rate Mortgage (ARM), you experience a lower, fixed interest rate for a set period of time then the rate adjusts based on financial markets for the remainder of the mortgage term. So, your monthly payments are lower at first, but then down the road may increase if interest rates go up.

Changes in payments are due to the fact that the interest rate on your mortgage is not fixed. Instead, it changes over time according to a formula and an adjustment schedule. The formula is typically a base rate ("index") plus a certain percentage ("margin"). As an example, a LIBOR index (London Market Interbank Offered Rates) rate of 2.00% plus a margin of 2.25% results in a "fully indexed rate" of 4.25%. So if the base/index interest rate has increased when it is time for a scheduled rate adjustment, your interest rate and monthly payment will also increase.

Some ARMs have a reduced interest rate (start rate) for an initial period of time. This rate is less than the current index plus the margin (the "fully indexed rate"). This means that your interest rate and monthly payment will be lower than normal for that initial period, but are likely to increase when that period is over, even if the index rate does not change. Your interest rate and monthly payment will increase even more if the index rate rises.

Citi has a choice of ARMs with a variety of initial fixed rate periods. In addition, we also offer an interest only ARM where you only pay the interest on your loan plus any applicable taxes and insurance. An interest only mortgage requires payment of only the interest amount for the first few years of the loan. If the interest only payments are made, then at the end of the interest only period you can expect:

Are you ready for a new mortgage? Start your mortgage application here.
The process will be completed with the help of our experienced Mortgage Consultant after you have provided your information.

If you have any questions call 1-800-248-4638† to talk to our experienced Mortgage Consultants.

The table below highlights the differences between fixed and adjustable rate mortgages.

Fixed Rate

Adjustable Rate

Benefits

Your interest rate stays the same for the entire life of your mortgage.

You know the amount of your monthly payments.

Your start rate is usually lower than the interest rate on a Fixed Rate mortgage.

Your interest rate may decrease or stay the same when it is adjusted.

Risks

Your interest rate is usually higher than the start rate on an Adjustable Rate mortgage.

The interest rate stays the same for the entire life of the mortgage, even if market interest rates decline.

If the index increases, your interest rate and monthly payment will increase. There are limits on how much your rate can increase or decrease at each adjustment and over the life of the mortgage.

If your start rate is less than the fully indexed rate, your interest rate and monthly payment may increase significantly at the first adjustment - even if the Index does not change. Your interest rate and monthly payment will increase even more if the Index rises.

Get into a Loan with the Lowest Down Payment
If you meet the qualifications, you may be eligible for a mortgage that requires little or no down payment. FHA (Federal Housing Administration) and VA (Veteran's Administration) mortgages are government-backed programs that offer fewer restrictions than conventional mortgages.

For first-time homebuyers and active or veteran military personnel, an FHA or VA loan can be a great mortgage solution with benefits that include:

Low down payments (FHA offers as low as 3% of the purchase price)

Larger mortgages to finance larger homes

Options for seller to pay the purchase points or closing costs

Cash gift allowed for down payment

Availability of 15 or 30-year term

FHA mortgages are available as both fixed and adjustable rate mortgages.The VA offers mortgages that are fixed rate only.

If you have any questions regarding a FHA or VA mortgages or want to know how to qualify, call 1-800-248-4638† to speak with our experienced Mortgage Consultants.

Citi has long been committed to making the communities in which it operates better. We live up to this commitment through a variety of community lending programs designed to extend the dream of home ownership to everyone.

Interest Rates
The cost of borrowing money is interest. Your interest rate, along with the term and amount of your mortgage, determines the size of your monthly principal & interest payment.

Interest rates vary across the different types of mortgages we offer, as well as how much you are borrowing compared to the value of the home. Interest rates may also vary based on other factors such as whether the home will be a primary or secondary residence.

You can "buy down" the interest rate on your loan by paying points. A point is calculated as 1% of the loan amount so if you are borrowing $100,000, 1 point is equal to $1,000. If you have the cash, buying down the rate is a great way to reduce the total amount of interest you pay over the life of your loan.

APR (Annual Percentage Rate)
An annual percentage rate (APR) shows the total annual cost of a mortgage (including closing costs,interest,fees,lender points)over its full term, expressed as a yearly rate.

APR is a good way to compare mortgages as it reflects the true cost of the loan.

Identifying the right down payment option for you
We can help you understand and select a down payment option that best fits your situation. This is an important decision as the amount of your down payment impacts:

Eligibility for certain loan products

Loan amount and size of your monthly payments

The amount of cash available for other home buying costs

The standard down payment amount is 20% of the home's purchase price. Down payment amounts typically range between 3% and 20%, depending on the mortgage product. This amount is paid in cash to the seller. The higher your down payment, the lower your loan amount. For example, a 20% down payment on a $200,000 property is $40,000. Your mortgage loan amount on the $200,000 property would be $160,000.

If you don't have 20% to put down, you may apply for a mortgage that requires mortgage insurance - in addition to your regular payment, you pay a mortgage insurance company to insure the lender against nonpayment or default on a mortgage.

If you have any questions or would like us to walk you through the various options, call 1-800-248-4638† to talk to our experienced Mortgage Consultants.

The table below highlights the differences between fixed and adjustable rate mortgages.

Fixed Rate

Adjustable Rate

Benefits

Your interest rate stays the same for the entire life of your mortgage.

You know the amount of your monthly payments.

Your start rate is usually lower than the interest rate on a Fixed Rate mortgage.

Your interest rate may decrease or stay the same when it is adjusted.

Risks

Your interest rate is usually higher than the start rate on an Adjustable Rate mortgage.

The interest rate stays the same for the entire life of the mortgage, even if market interest rates decline.

If the index increases, your interest rate and monthly payment will increase. There are limits on how much your rate can increase or decrease at each adjustment and over the life of the mortgage.

If your start rate is less than the fully indexed rate, your interest rate and monthly payment may increase significantly at the first adjustment - even if the Index does not change. Your interest rate and monthly payment will increase even more if the Index rises.

"Should I Pay Points?"
One point is equal to one percent of the loan amount. If you choose to pay Points you can lower your interest rate.

Escrowing My Taxes and Insurance
We require an escrow amount on all mortgages for the payment of taxes, special assessments, hazards, flood and/or mortgage insurance. You will normally be expected to prepay (into your escrow account) your first 6 months of taxes and your first 2 months of homeowner's insurance.

Call 1-800-248-4638† to talk to our experienced Mortgage Consultants. Our experienced Mortgage Consultants will help you understand if paying points or using an escrow account makes sense for you.

Insurance
There are typically three types of insurance policies involved in getting a mortgage and owning a home.

Title Insurance
Title insurance insures property owners as well as lenders against any title disputes that may arise in the future.

Homeowner's Insurance
Homeowner's insurance protects you not only against property damage caused by a fire or a severe rainstorm, but can also shield you against theft, vandalism, as well as for stolen cash and personal items.

Basically, the more coverage you want, the higher your monthly premium will be. If a catastrophe does happen, homeowner's insurance should cover the costs to rebuild your home. If you live in an area that's prone to natural disasters, like earthquakes and floods, you'll need separate policies.

Mortgage Insurance
Mortgage guarantee insurance is an insurance policy (often called MI or PMI) that insures lender against nonpayment or default on your mortgage. If you do not put down at least 20% of the purchase price of your new home, we typically require you to purchase mortgage insurance. Mortgage insurance payments are included in your monthly payment.

It may be possible to cancel private mortgage insurance at some point, such as when your loan balance is reduced to a certain amount. For loans on single family principal residences, federal law requires automatic termination of mortgage insurance for many borrowers when their loan balance is scheduled to reach 78% of the original property value.

For some customers, a combination 1st and 2nd mortgage is an alternative to paying for mortgage insurance. With a combo loan, you get a 1st mortgage for 80% of the purchase price, a 2nd mortgage for 10% of the purchase price, and put down 10%. Our Mortgage Consultant can help you decide whether paying mortgage insurance or getting a combo loan makes more sense for you. Call 1-800-248-4638†.

Simply put,closing costs/fees are the various costs associated with closing a loan. The different types of closing costs can include:

Lender Fees - These are the fees that are paid to us to cover the costs of processing your loan. Typically, we charge an application fee to cover costs associated with checking your credit, underwriting your loan, as well as other activities done to prepare for your closing.

Third-party Fees - These are fees that are paid to third parties performing services in connection with the closing of your loan, for example to a title companies to obtain a title insurance policy on the home or to an appraiser to ascertain the value of the home.

Impound/Escrow Amounts - These amounts are collected when we will pay your property taxes and homeowner's insurance on your behalf. Typically, we require you to put a certain portion of funds in your escrow account at closing to ensure there is enough to pay your taxes and insurance when they are due. Thereafter, additional impound/escrow amounts will be collected with each monthly mortgage payment.

When you apply, we'll send you a Good Faith Estimate within 3 days that outlines the different fees associated with your loan.

Find out if you're eligible to take advantage of this government sponsored program.

Are you making your mortgage payments on time but are still unable to refinance and take advantage of today's low mortgage rates?

Freddie Mac and Fannie Mae have adopted changes to the Home Affordable Refinance Program (HARP) and you may be eligible to take advantage of these changes. The changes are designed to allow even more homeowners an opportunity to refinance to a lower rate and shorter term even if they owe more than their home is worth*. This program may be an affordable refinance option for homeowners who would not otherwise qualify for a traditional refinance.

Why refinance under HARP?

Receive lower rates even if you have little equity in your home. Existing Citi mortgage clients can refinance to a lower rate with no equity.

Reduce monthly mortgage payments when you refinance to a lower rate.

Save on interest over the life of your loan when you refinance to a reduced term.

No mortgage insurance is required on your new loan if none is in place on current mortgage.

Helpful Information

* If this loan will be secured by your principal dwelling and the extension of credit exceeds the fair market value of the home, the interest portion of the credit extension that is greater than the fair market value is not tax deductible for federal income tax purposes. You should consult a tax advisor for further information regarding the deductibility of interest and charges.

The Home Affordable Refinance Program is designed to help homeowners refinance to a lower rate and payment, or shorter term, even if they don't have enough equity in their home to qualify for a traditional refinance.

Complete this form or call 1-877-511-7237† to take advantage of the Home Affordable Refinance Program.

Please correct the fields highlighted below.

Select a Refinance Option

Based on your current mortgage, you may qualify for the refinance options below. Select the option you prefer.

Select One

Mortgage Type

Rate

APR

Total Payment

Please select a mortgage type.

Complete the Following Questions

To be eligible for the instant closing process with no documentation, the borrowers for the new loan must be the same as the borrowers on the current loan.
Also, the borrowers must be owners of the property and meet other eligibility criteria1.

Do you want to apply for individual or joint credit?

Individual
Joint

Please select Individual or Joint.

If you are applying for individual credit, please review the spousal signature requirements at the end of this submission form.
If you are applying for joint credit, complete all sections for Borrower and Co-Borrower.

Borrower Information

Name

First Middle Initial Last

Please enter the Primary Borrower's name.

Date of birth

/
mm

/
dd

yyyy

Please enter a valid date of birth using the mm/dd/yyyy format.

Residency status?

Please indicate residency status.

Citi mortgage account #

Your 10-digit account number can be found on your mortgage statement.

Contact Information

Please provide at least one valid contact number.

Home phone number

-
-

Work phone number

-
-

Cell phone number

-
-

Preferred contact number is

Please select your contact number preference.

Email address

Please provide an email.

Please provide a valid email.

Employment Information

Citigroup employee?

Yes No

Please indicate Yes or No.

Self-employed?

Yes
No

Please indicate Yes or No.

Monthly employment income

$

(Before Taxes)

Please provide monthly employment income.

Employer name

Please provide employer name.

Employer phone number

-
-

Please provide employer phone number.

Employer address

Street # Street name Apt/Suite #

Please provide employer address.

City

Please provide employercity.

State

Please provide employer state.

Zip

Please provide employer zip.

Time with employer

Years

Please provide years of employment.

Months

Please provide months of employment.

Please provide months of employmentbetween 0 and 11.

Marital Status

Married

Spouse's name

Please provide spouse's name.

Separated

Unmarried (includes single,divorced and widowed)

Domestic Partner

Please indicate current marital status.

Co-Borrower Information

Name

First Middle Initial Last

Please enter the Co-Borrower's name.

Date of birth

/
mm

/
dd

yyyy

Please enter a valid date of birth using the mm/dd/yyyy format.

Residency status?

Please indicate residency status.

Contact Information

Please provide at least one valid contact number.

Home phone number

-
-

Work phone number

-
-

Cell phone number

-
-

Preferred contact number is

Please select your contact number preference.

Email address

Please provide an email.

Please provide a valid email.

Employment Information

Citigroup employee?

Yes
No

Please indicate Yes or No.

Self-employed?

Yes
No

Please indicate Yes or No.

Monthly employment income

$

(Before Taxes)

Please provide monthly employment income. If there is not any income to report, you may enter a zero.

Employer name

Please provide an employer name. If the co-borrower is not employed,
please
enter, "None". If the co-borrower is retired, please enter "Retired".

Employer phone number

-
-

Please provide employer phone
number.

Employer address

Street # Street name Apt/Suite #

City

State

Zip

Time with employer

Years

Please provide years of employment.

Months

Please provide months of employment.

Please provide months of employment between 0 and 11.

Marital Status

Please indicate current marital status.

Married

Spouse's name

Please provide spouse's name.

Separated

Unmarried (includes single, divorced and widowed)

Domestic Partner

Please indicate current marital status.

Property Information

Street #

Please provide the property address.

Street Name

Please provide the property address.

Apt/Suite #

City

State

Zip

County

Please provide the county.

What year was the property built?

Please provide the year in which the property was built. If you are unsure, please provide an estimate.

Please enter a valid year using the yyyy format.

What is the Condo name (if applicable)

Number of bedrooms at the property

Please provide number of bedrooms.

Number of years resided at the property

Please provide
number of years at residence.

In what name(s) is the title held?

Please provide names on the
title.

Has the ownership of the property changed since
the current loan was made?

Yes

No

Please indicate Yes or No.

Is your property currently held in trust or has it been placed in trust since the last loan transaction?

Yes

No

Please indicate Yes or No.

Is this a leasehold property?

Yes

No

Please indicate Yes or No.

Second Mortgage Information

Do you have a second mortgage on this property?

Yes

No

Please indicate Yes or No.

If Yes, please provide the name of your second mortgage company

Company:

Is this second mortgage a loan or line of credit?

Home Equity Loan

Total
lien amount

$

Home Equity Line of
Credit

Amount drawn / owed

$

Total credit limit

$

Declarations

Borrower

Co-Borrower

YES

NO

YES

NO

1.

Are there
any outstanding judgments against you?

Please indicate Yes or No.

Please indicate Yes or No.

2.

Have you declared bankruptcy in the past 7 years?

Please indicate Yes or No.

Please indicate Yes or No.

3.

Have
any of your properties been foreclosed upon, or
have you given over title or deed in lieu of any
properties, in the past 7 years?

Please indicate Yes or No.

Please indicate Yes or No.

4.

Have you directly or indirectly been obligated on any loan that resulted in a foreclosure, transfer of title in lieu of foreclosure or judgment against you?

Please indicate Yes or No.

Please indicate Yes or No.

5.

Are you a party to a lawsuit?

Please indicate Yes or No.

Please indicate Yes or No.

6.

Are you presently delinquent or in default on any Federal debt or other loan, mortgage, financial obligation, bond, or loan guarantee?

Please indicate Yes or No.

Please indicate Yes or No.

7.

Have you had an ownership interest in a property in the last 3 years?

Please indicate Yes or No.

Please indicate Yes or No.

If Yes then provide the following:

How did you use the property?

How did you own the property?

Please select one.

Please select one.

Please select one.

Please select one.

8.

Do you intend to occupy the property as your primary residence?

Please indicate Yes or No.

Please indicate Yes or No.

If No then provide the following:

How will you use the property?

Please select one.

Please select one.

If investment property, select number of units.

Please select number of units.

Provide the monthly rental income for each unit that is currently rented. If a unit is vacant, provide a proposed monthly rental income amount.

Unit 1

$

Unit 2

$

Unit 3

$

Unit 4

$

Government Monitoring Purposes

The following information is requested by the Federal
Government for
certain types of loans related to a dwelling in order to monitor
the lender's compliance with
equal credit opportunity, fair housing and home mortgage
disclosure laws. You are not
required to furnish this information, but are encouraged to do
so. The law provides that a
lender may discriminate neither on the basis of this
information, nor on whether you choose to
furnish it. If you furnish the information, please provide both
ethnicity and race. For
race, you may check more than one designation. If you do not
furnish ethnicity, race or sex,
under the Federal regulations this lender is required to note
the information on the basis of
visual observation or surname. If you do not wish to furnish
this information, please check
the option below.

Borrower

I don't wish to furnish this information.

Sex
Male
Female

Race / National Origin

Ethnicity

American Indian or Alaska Native

Hispanic or Latino

Asian

Not Hispanic or Latino

Black or African American

Hawaiian Indian or other Pacific Islander

White

Co-Borrower

I don't wish to furnish this
information.

Sex
Male
Female

Race / National Origin

Ethnicity

American Indian or Alaska Native

Hispanic or Latino

Asian

Not Hispanic or Latino

Black or African American

Hawaiian Indian or other Pacific Islander

White

Acknowledge, Agree, and Submit

Please review the following and indicate your
acknowledgement, agreement, and
acceptance.

I represent to Lender and to Lender's actual or potential agents,
brokers, processors,
attorneys, insurers, servicers, successors and assigns and agrees and
acknowledges that: (1)
the information provided in this application is true and correct as of
the date set forth
under my signature and that any intentional or negligent
misrepresentation of this information
contained in this application may result in civil liability, including
monetary damages, to
any person who may suffer any loss due to reliance upon any
misrepresentation that I have made
on this application, and/or in criminal penalties including, but not
limited to, fine or
imprisonment or both under the provisions of Title 18, United States
Code, Sec. 1001, et seq.;
(2) the loan requested pursuant to this Response Form (the "Loan") will
be secured by a
mortgage or deed of trust on the property described in this Response
Form; (3) the property
will not be used for any illegal or prohibited purpose or use; (4) all
statements made in this
Response Form are made for the purpose of obtaining a residential
mortgage loan; (5) the
property will be occupied as indicated in this Response Form; (6) the
Lender, its servicers,
successors or assigns may retain the original and/or electronic record
of this Response Form,
whether or not the Loan is approved; (7) the Lender and its agents,
brokers, insurers,
servicers, successors, and assigns may continuously rely on the
information contained herein,
and I am obligated to amend and/or supplement the information provided
in this Response Form
if any of the material facts that I have represented herein should
change prior to closing the
Loan; (8) in the event that my payments on the Loan become delinquent,
the Lender, its
servicers, successors or assigns may, in addition to any other rights
and remedies that it may
have relating to such delinquency, report my name and account
information to one or more
consumer reporting agencies; (9) ownership of the Loan and/or
administration of the Loan
account may be transferred with such notice as may be required by law;
(10) neither Lender nor
its agents, brokers, insurers, servicers, successors or assigns has made
any representation or
warranty, express or implied, to me regarding the property or the
condition or value of the
property; and (11) my transmission of this Response Form as an
"electronic record" containing
my "electronic signature", as those terms are defined in applicable
federal and/or state laws
(excluding audio and video recordings), or my facsimile transmission of
this application
containing a facsimile of my signature, shall be as effective,
enforceable and valid as if a
paper version of this Response Form were delivered containing my
original written signature.

Authorization
and Acknowledgement. I hereby authorize Citibank, N.A. to pull my credit
report and to investigate and/or confirm my employment and income histories before sending us
the Instant Closing Kit. In addition, I acknowledge that any owner of the Loan,
its servicers, successors and assigns, may verify or re-verify any information contained in
this Response Form or obtain any information or data relating to the Loan, for any
legitimate business purpose through any source, including a source named in this application
or consumer reporting agency.

I, Borrower, have read and agree to / accept the above representations, acknowledgements and authorization.

Please indicate your acceptance.

I, Co- Borrower, have read and agree to / accept the above representations, acknowledgements and authorization.

Please indicate your acceptance.

1Home Affordable Refinance Program Eligibility Requirements

Thank you for your interest in our streamlined Home Affordable Refinance Offer. We are excited to provide you with this exceptional opportunity.In order to take advantage of our special streamlined offer, you must meet the conditions listed below:

The borrowers on the new loan must be the same individuals as the borrowers on the current loan and must be owners of the property. An individual who is an owner of the property but not a borrower will be required to sign certain documents that we believe are necessary to make the property available as security for the loan. In some states we will also require your spouse's signature*.

Income from at least one of the borrowers must be from employment/self-employment income, in which case there is no income documentation to provide. If neither borrower has employment/self-employment income, and relies on sources such as retirement, social security or annuity income, borrowers will need to submit income documentation subject to underwriter review.

The borrowers may not have any judgments, foreclosures, bankruptcies or liens affecting the property.

The borrowers may not be a party to a lawsuit.

The property must continue to be your primary or secondary residence, or may be investment property, as reflected on the current mortgage loan. The occupancy of the property must remain unchanged from the occupancy at the time your current mortgage loan was closed.

The property must be insured to our satisfaction. In addition, if there have been changes to the property since the origination of your current mortgage loan, you may be required to obtain a survey at your expense, obtain additional insurance coverage (for example, flood insurance) or increase your insurance coverage.

Mortgage Insurance may or may not be required, depending on the current mortgage insurance coverage on your existing mortgage loan. If mortgage insurance is required, this offer is conditioned on your continued eligibility for mortgage insurance, including any additional credit guidelines of the mortgage insurance company.

Property may not be a co-op hotel, condotel, non-warrantable condo, or a manufactured home (mobile or modular). If the property is a co-op, you are not eligible for this program, but may be eligible for our standard refinance program.

Property may not be a leasehold property.

Title to the property must not have changed since your current loan was closed (which includes placing property in a trust or executing any type of deed affecting ownership of the property since the time your current loan was closed).

The new mortgage loan must be one of the products and its corresponding term, amount, and rate option offered.

The new mortgage loan must be a first lien mortgage and subject to satisfactory title examination.

Any second lien mortgage on the property must be held by Citibank, N.A., CitiMortgage, Inc., (Home Equity Loan or Home Equity Line of Credit) or other lender who has agreed to cooperate with the streamlined and expedited subordination process.

Your escrow account will be reviewed to ensure there are sufficient funds to pay projected tax and homeowners insurance disbursements. In the event your escrow account has a shortage, you may be required to pay any deficiency at closing. You may be able to increase your loan amount to cover the escrow shortage; however this is subject to underwriter review and approval.

After further review, we may determine that you no longer meet the eligibility requirements for this offer.

If you currently have an adjustable rate mortgage, the monthly payment savings reflect your current monthly payment (and current interest rate) only and do not take into account rate/payment adjustments that may take effect in the near future.

All loans are subject to credit and property approval, which may include minimum FICO score, maximum LTV requirements and verification of employment.

If you do not meet the above Eligibility Requirements, you may still be eligible for other Home Affordable Refinance programs, as well as other standard Citibank mortgage programs. Please call us at 1-800-667-8424† to discuss your available options.

*Spousal Signature Requirements:
Your spouse may be required in the states listed below to sign certain documents that we believe are necessary to make the property available as security for the loan. Please provide your spouse's name if your spouse will be required to sign closing documents.

You reside in or the property is located in AZ, CA*, HI, ID, LA, ME*, NV*, NJ*, NM, NC, OH, TX, WA* or WI*.

Your spouse is on title to the property and the property is located in CO, CT, IN, MA, OR*, PA or RI. In addition, any other party on title to the property (owners) will also be required to sign certain documents.

New York properties: This streamlined closing process is conditioned on the new mortgage loan closing utilizing the New York Consolidation, Extension and Modification Agreement ("CEMA") process, and that there are no title or documentation issues that would delay the closing of the loan.

Texas properties: Neither the current loan, nor the new loan, may be considered a Texas Home Equity loan subject to Art. XVI, Sec. 50(a)(6) of the Texas Constitution.

Illinois, Maine, Maryland, New Jersey, Rhode Island, South Carolina, Virginia, and Vermont applicants : Though your state provides you the right to choose your own settlement service provider, this streamlined refinance offer is contingent on your use of our selected settlement service providers (i.e. closing agent, title insurance provider, etc.).

California Applicants: Under CA Civil Code Section 1812.30(j), credit applications for the obtainment of money, goods, labor, or services shall clearly specify that the applicant, if married, may apply for a separate account.

Ohio Applicants: Equal Credit Opportunity Notice: You are hereby provided the following "Equal Credit Opportunity" notice as required by Section 4112.021 of the Ohio Revised Code. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Massachusetts applicants:

(1) The responsibility of the attorney for the mortgagee is to protect the interest of the mortgagee.
(2) Mortgagors may, at their own expense, engage an attorney of their selection to represent their interests in the transaction.

2 The APR numerical calculation is an estimate that assumes your new loan will fund on the first day of the month, and therefore no interim interest will be charged at closing. If your loan does not fund on the first day of the month, your APR will be slightly higher and will include the interim interest that will be collected at closing to cover the gap between your funding date and the 1st payment due date of the new loan.

We have received your refinance request. Your loan number is:

Your information will be reviewed to ensure all eligibility requirements are met. Once the review is complete, we will contact you
within a few days to discuss the next steps.

We understand the right mortgage is important to your financial future and we look forward to helping you get there.

Questions? Call 1-866-924-5689, option 1

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1 The APR numerical calculation is an estimate that assumes your new loan will fund on the first day of the month, and therefore no interim interest will be charged at closing. If your loan does not fund on the first day of the month, your APR will be slightly higher and will include the interim interest that will be collected at closing to cover the gap between your funding date and the 1st payment due date of the new loan.

† Calls are randomly monitored and recorded to ensure quality service.TTY Services available: Dial 711 from the United States; Dial 1-866-280-2050 from Puerto Rico.